Insurance Concerns » Insurance Rates

Will my auto insurance rates go up if I get a red light camera ticket?

Insurance — Wed, 28 Dec 2011 11:42:26 +0000

Question by : Will my auto insurance rates go up if I get a red light camera ticket?
This is my first red light camera ticket but my second ticket this year. The first one was a speeding ticket. Will my auto insurance rates go up for a red light ticket?

Best answer:

Answer by Rocky Squirrel
Your insurance rate only goes up depending in which State you live. In States where red light camera tickets are civil penalities, then No. In States where red light camera tickets are treated like normal red light tickets; that is, a criminal misdemeanor, then Yes.

In all cases, all red light camera tickets are illegal no matter where you live. Your department of transportation does not paint the safe braking distance line on the road as required by the equation they use to set the yellow light duration. It’s a huge engineering defect we all overlooked so long as the police enforced the law. The police realize that deciding to stop or go when seeing a light turn yellow is a guess . . . and grant you leniency when you guess wrong by a fraction of a second.

Red light cameras are precision computers and do not allow the guess. The DOT must paint the line so that traversing an intersection upon seeing a yellow is not a guess.

Get tough and sue your city.

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How do I find out my car insurance rates before I get a car?

Insurance — Tue, 27 Dec 2011 14:31:25 +0000

Question by Mokaddasa: How do I find out my car insurance rates before I get a car?
I haven’t bought a car yet because a lot depends on how much insurance will be. I’m a 27 single female living in Boston, I’ve had a license since 18 but never drove so it expired and I recently renewed it. I don’t have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.

Best answer:

Answer by A Very Helpful Guy
Hello,

Yes, the rates you pay for car insurance do depend on a lot of factors:

Age
City, State
How many previous accidents you’ve had
Year of vehicle
Make of vehicle

The best thing you can do is actually call up a few of your local car insurance companies and get some ballpark figures. The important thing is, is to find one that you like and trust and who gives you a decent quote.

Your next step would be to go to a car dealership, take the number of the insurance companies who quoted you the best prices along and find a car that you like and can afford. After you take it for a test drive and get as much information as you can such as if it’s being sold “as is” or comes with some sort of warranty etc…

Before any money changes hands or you sign any paperwork at the dealership, call the insurance company from the dealership. Give them the specifics of the car. They will then be able to give you a correct insurance quote.

If it’s a reasonable quote for you, by the car. If not, find out what year/make of car from the insurer would make the payments lower and ask the salesperson if they have any of those on the lot.

Even when you do obtain insurance, don’t be afraid to then further call around or check online for cheaper rates. You can always switch after you obtain the insurance.

I hope this helps you. I wish you good luck in getting a car and insurance.

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Can insurance rates go up if a person is in an accident but its not their fault?

Insurance — Tue, 27 Dec 2011 12:32:44 +0000

Question by Chicka: Can insurance rates go up if a person is in an accident but its not their fault?
A friend of mines boyfriend was driving my friends fathers car and ended up getting in a wreck. He wasn’t at fault i guess, but both cars in the accident were totaled. I don’t think he was on the insurance, and I know he doesn’t own a car so he doesn’t have insurance that way either. She says that since he was not at fault it doesn’t affect his insurance rates from going up when he gets a car of his own. Is this true?

Best answer:

Answer by youreaslut
no, if its not your fault then the rates do not go up. but the accident will show on your record. and it will say “not at fault”

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How does Progressive compare your insurance rates with top companies?

Insurance — Mon, 26 Dec 2011 16:11:17 +0000

Question by DC: How does Progressive compare your insurance rates with top companies?
How is that possible? I’ve applied for Progressive quotes before (and wasn’t impressed at all), but how are they able to do that?

Insurance companies all have complex formulas that are used to calculate rates using several factors, including driving history, location, credit, household drivers, vehicles, etc.

Unless they have robots online that steal competitors’ bandwidth and automatically fill out the forms, it doesn’t seem possible. If that was the case, you would think other companies would block Progressive from abusing their servers.

Any ideas?

Best answer:

Answer by mbrcatz17
Inusrance companies are required to file their rates with the state insurance commissioner, where they then become public record. Someone from Progressive, goes down and gets the rate information.

Progressive isn’t stealing rates.

BUT, those rates they’re quoting you, aren’t binding, either.

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What is the approximate range of insurance rates on motorcycles?

Insurance — Mon, 26 Dec 2011 11:33:17 +0000

Question by Peter B: What is the approximate range of insurance rates on motorcycles?
There have been a lot of similar questions to this one, but I am interested in buying a motorcycle, however from what i’ve heard the insurance for motorcycles is expensive. Can somebody please just tell me an approximate range of the insurance rates on a motorcycles without refering me to a website to get a quote from. Just any kind of number range would be helpful.

Additional Info:
I live in Vegas, I am a 17 year old male, and I have no idea what my credit is (don’t even think I have one yet) if that matters.

Thank you in advance.

Best answer:

Answer by dead7
first credit has nothing to do with it– the cheapest insurance for a bike is progressive my car insurance agent told me to go to them because they were higher as for a rate qoute you will have to go to the website because it is based on state laws and what is going on in your city age and type of bike —I am way older than you- live in Louisiana and have been riding since way before you were born and a new HD big twin is about 1400.00 per year if you were to ride the same sled you are looking at 2-2200.00 add more for a pocket rocket and just a note put full coverage on it and keep it up because you wreak it will save you from some hassles GL

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How long do car accidents affect my insurance rates?

Insurance — Sun, 25 Dec 2011 08:44:00 +0000

Question by crizzy u: How long do car accidents affect my insurance rates?
I have heard that accidents and tickets will affect car insurance rates for five years. I was in an accident four years ago, that was determined to be my fault. Now, my (old) insurance company just settled this claim. Is this going to affect my rates for five years from the settlement date or from the date of the accident?

Best answer:

Answer by ad59
Although the time affecting your premium varies from insurer to another, it is usually three years; and the effects tkes place from the time the body shop claims the payment for the repair to your car.

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Connecticut Car Insurance Rates – Save Money

Insurance — Sat, 24 Dec 2011 17:20:42 +0000

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Insurance — Sat, 24 Dec 2011 15:06:17 +0000

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Insurance — Sat, 24 Dec 2011 05:52:24 +0000

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Insurance — Fri, 23 Dec 2011 11:21:01 +0000

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